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SB 745MICHIGANSession 2025-2026State Billon floor

Michigan Legislature revises motor vehicle financing cross-references under identity theft protection act

Original title: Consumer protection: identity theft; citations to the motor vehicle sales finance act in the identity theft protection act; revise.

Last action · June 10, 2026: PLACED ON ORDER OF THIRD READINGSponsors: John Damoose and 2 others

Bill progressHistory & official text ↓

Introduced

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Passed

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What This Bill Would Do

Lenders must follow updated statutory citations to the motor vehicle sales finance act when classified as a under the identity theft protection act. Motor vehicle installment sellers and financial institutions must comply with these revised statutory cross-references. The amendatory act is conditioned on the enactment of Senate Bill No. 739 of the 103rd Legislature.

Why it matters

Compliance obligations for motor vehicle installment sellers and s shift conditional upon the enactment of Senate Bill No. 739.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Motor vehicle installment sellers

Statutory cross-references defining their inclusion under financial institution rules in the identity theft protection act are updated.

Key Facts

Senate Bill 745 amends section 3 of the Identity Theft Protection Act (2004 PA 452, MCL 445.63).
The bill revises statutory citations to the motor vehicle sales finance act under the definition of a 'financial institution'.
The amendatory act is conditioned on the enactment of Senate Bill No. 739 of the 103rd Legislature.

Frequently Asked Questions

What does Senate Bill 745 do?

It updates the statutory citations to the motor vehicle sales finance act within the definition of a under the Identity Theft Protection Act.

Is the bill effective immediately on its own?

No, the amendatory act does not take effect unless Senate Bill No. 739 of the 103rd Legislature is also enacted into law.

What else do you want to know?

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Where This Stands

Currently on floor. The next step in the legislative lifecycle is Passed.

Procedural history

6 actions

Jun 10, 2026Senate
PLACED ON ORDER OF THIRD READING
Jun 10, 2026Senate
REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S)
Apr 23, 2026SenateCommittee
REFERRED TO COMMITTEE OF THE WHOLE
Apr 23, 2026SenateCommittee
REPORTED FAVORABLY WITHOUT AMENDMENT 4/22/2026
Dec 16, 2025SenateCommittee
REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
Dec 16, 2025SenateIntroduced
INTRODUCED BY SENATOR JOHN DAMOOSE

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

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Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Connected Entities

John Damoose, Rosemary Bayer, Mary Cavanagh

PersonJohn Damoose“Primary sponsor of Senate Bill 745”Map →

PersonRosemary Bayer“Cosponsor of Senate Bill 745”Map →

PersonMary Cavanagh“Cosponsor of Senate Bill 745”Map →

Sources

Open source document

legislature.mi.gov

Analysis Score

0–100

Significance25
How much this matters to a regular citizen
Controversy5
Intensity of disagreement among stakeholders
Entertainment2
Compellingness for a non-policy-wonk reader
Buzz10
Current news / social attention level

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